H E B Federal Credit Union

Headquarters

4630 N Loop 1604 W Ste 101
San Antonio, TX 78249
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Notable Rates	APY	Vs.Others
Savings	0.15%	4.60% →
1-Year CD	0.49%	4.59% →
2-Year CD	0.58%	4.00% →
5-Year CD	0.74%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

H E B is an NCUA insured institution located in San Antonio, TX. It was founded in 1963 and has approximately $209.41 millions in assets.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 15650
Date Established	1963
Assets	$209.41 million
Loans	$147.30 million
Deposits	$166.41 million
Capital	$37.52 million

Field of Membership Restrictions

Membership is open to employees of H-E-B Grocery Company or its subsidiaries or their immediate family or the immediate family of an existing member. (Membership requirements are listed in the credit union's online application)

Deposit Rates - December 16, 2025

Your Current Location: Alaska, AK 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.15%	$2,500	$4,999	Learn More Reviews
Money Market	0.10%	$2,500	$2,999	Learn More Reviews
Money Market	0.15%	$10,000	$14,999	Learn More Reviews
Money Market	0.15%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.37%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.37%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.49%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.49%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.58%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.58%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.67%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.67%	$100,000	$199,999	Learn More Reviews
60 Mo CD	0.74%	$10,000	$14,999	Learn More Reviews
60 Mo CD	0.74%	$100,000	$199,999	Learn More Reviews

Loan Rates - December 16, 2025

Your Current Location: Alaska, AK 10007

There are currently no loan rates available for H E B

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Alaska 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 401822	6.128%	6.000%	0.75	$4,395	$1,919	Learn More
NMLS ID: 1025894	6.221%	6.125%	0.75	$3,289	$1,945	Learn More
NMLS ID: 1907						Learn More

See More Mortgage Rates →

Featured - Alaska Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

See More Home Equity Rates →

Note to H E B
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Branches

Below are H E B branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Anchorage,Alaska

H E B Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Financial Service Center	3494.24	A	View Lobby Hours
Blanco Branch	3494.24	B	View Lobby Hours
San Antonio Service Center	3494.24	C	View Lobby Hours
McAllen Branch	3654.56	D	View Lobby Hours

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Climate Policy and Initiatives

H E B is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

H E B Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of H E B. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

H E B	U.S. Average
1.60%	5.63

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2025, H E B had $599,173 in non-current loans and $10,488 in owned assets. To cover these potential losses it had $37,518,454 in net worth and $533,312 in loans loss reserves. That gives it a Texas Ratio of 1.60%.

Net Worth

H E B	U.S. Average
17.92%	14.29%

H E B FCU has a net worth of 17.92% versus the BestCashCow average of 14.29. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for H E B

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